VA Funding Fee Chart

The Funding Fee is calculated by looking at 5 different factors. Take a look at the charts below to see how the VA funding fee varies based on these factors.

Loan amount

Loan type (Purchase or Refinance)

Type of service

Down payment (if any)

Prior VA use

Take a look at the charts below to see how the VA funding fee varies based on these factors.

Purchase - First Time Use

Down Payment

0% Down

5% - 10% Down

10% or More Down

Active Duty / Retired

2.15%

1.50%

1.25%

Guard / Reserve

2.40%

1.75%

1.50%

Purchase - Additional Use

Down Payment

0% Down

5% - 10% Down

10% or More Down

Active Duty / Retired

3.30%

1.50%

1.25%

Guard / Reserve

3.30%

1.75%

1.50%

Cash out Refinance

Down Payment

1st Time Use

Additional Use

Active Duty / Retired

2.15%

3.30%

Guard / Reserve

2.40%

3.30%

IRRL (Interest Rate Reduction Loan)

Down Payment

1st Time Use

Additional Use

Active Duty / Retired

0.50%

0.50%

Guard / Reserve

0.50%

05.0%

How the VA Funding Fee is Paid

The VA funding fee doesn't need to be 'paid' separately and is typically rolled into the loan. This is a big benefit to borrowers looking to take advantage of the $0 down benefit of the VA loan. Not only do borrowers not need to put anything down, but they can also finance the VA funding fee as well.

VA Funding Fee Exemption

Borrowers are exempt from paying the funding fee if they receive any disability payments from the VA or are considered at least 10% disabled.